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ICICI Customer Service Team.
I have applied for Housing loan LIC, during the process i recd an information that my CIBIL report reflects some unknown credit card with huge outstanding. So the Loan was stopped.
I requested CIBIL to give me the Fresh report, wherein i have recd with the same discrepancy as reported by LIC.
I Enquired the 2 banks which has wrongly updated my account in CIBIL.
HSBC Bank & ICICI Bank, Both the banks orally (phone banking)admitted that the shown Credit card account in CIBIL doesnot relate to me. But not have send a correction mail or Letter to CIBIL to update the records.
This process has been more than 2 months, till now no one has taken concrete action to update my records.
This has totally affected my loan process, & my Builders has already informed to charges 10% Interest charge on the amount to be paid by the Loan. If iam not paying the amount before end of this week, I may loose the property & the advance amount which i have paid to Builder.
So, This is an serious issues as far as iam concerned, I need the report to be cleared immediately.
All the 3 organization has to pay the compensation - HSBC, ICICI, CIBIL.
CIBIL - has no right to store wrong information about me, & no right to declare the same to other entity.
HSBC & ICICI - Has to shoulder the responsbility of providing the wrong information in the CIBIL database & therby stopping my loan process.
I need concrete action on the 3 organization.